Skip to main navigation Skip to main content Skip to footer For Medicare For Providers For Brokers For Employers Español For Individuals & Families: For Individuals & Families
Shop for Plans

Shop for Plans
Shop for your own coverage
Medical Dental Other Supplemental
Plans through your employer

Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.

Explore coverage through work
Learn
How to Buy Health Insurance Types of Dental Insurance Open Enrollment vs. Special Enrollment See all topics
Looking for Medicare coverage?
Shop for Medicare plans
Member Guide
Find a Doctor
Medical Dental Other Supplemental Explore coverage through work How to Buy Health Insurance Types of Dental Insurance Open Enrollment vs. Special Enrollment See all topics Shop for Medicare plans Member Guide Find a Doctor Log in to myCigna
Home Individuals & Families Shop for Plans Plans Through Your EmployerMedical Indemnity Plans

Medical Indemnity Plans

See any licensed health care provider and use any licensed facility for covered services.

What is a Medical Indemnity Plan?

Medical Indemnity plans, also known as an Indemnity Health Plan, are health plans designed to give you choices when choosing health care providers and facilities.

Cigna Healthcare Medical Indemnity plan features

  • You have the freedom to see any licensed health care provider and use any licensed facility for covered services, but you and your covered dependents must file claims to be reimbursed
  • Depending on the provider, you may have to pay for the cost of your health care services when you receive them, or you may be billed directly for any services provided
  • You don’t need referrals for specialists. Cigna HealthcareSM may need to pre-certify hospital stays and some types of outpatient care
  • The indemnity health plan includes global emergency and urgent care coverage 24/7

Being offered a Cigna Healthcare Medical Indemnity plan through work?

Use these helpful tools to help with your enrollment decisions.

Find doctors

To find providers, procedures, cost estimates, and more, search our provider directory.

Are your prescription drugs covered?

To find out which drugs are covered by your plan, use the Prescription Drug List.

Next steps for shoppers

You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.

Need help understanding how insurance plans work? To learn more, visit the Knowledge Center

Are you a new member?

If you've recently enrolled in a Cigna Healthcare plan through your employer, here are next steps:

Activate your myCigna account1

Check out member programs and services

Buying a plan on your own?

This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.

Find a plan that's right for you

View Cigna Healthcare Company Names

1Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.

Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).

Page Footer

I want to...

Get an ID card File a claim View my claims and EOBs Check coverage under my plan See prescription drug list Find an in-network doctor, dentist, or facility Find a form Find 1095-B tax form information View the Cigna Glossary Contact Cigna

Audiences

Individuals and Families Medicare Employers Brokers Providers

Secure Member Sites

myCigna member portal Health Care Provider portal Cigna for Employers Client Resource Portal Cigna for Brokers

The Cigna Group Information

About Cigna Healthcare Company Profile Careers Newsroom Investors Suppliers The Cigna Group Third Party Administrators International Evernorth

 Cigna. All rights reserved.

Privacy Legal State Policy Disclosures, Exclusions, and Limitations Transparency in Coverage Customer Rights Accessibility Non-Discrimination Notice Language Assistance [PDF] Report Fraud Sitemap Cookie Settings

Disclaimer

Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates ( see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details